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Auto-Owners Home Insurance Review 2025 – Is It Right for You?
July 1, 2025

Looking for an honest take on Auto-Owners home insurance? This 2025 review breaks down coverage options, costs, discounts and more – helping you decide if Auto-Owners is the right choice to protect your home.
Pros and Cons of Auto-Owners Home Insurance
Auto-Owners is a regional insurer known for its personalized, agent-driven service and strong reputation. Here are the key pros and cons at a glance:
- Pros: Wide variety of coverage options and unique add-ons; numerous discounts available; far fewer customer complaints than peers; top-tier financial strength (rated A++ by AM Best).
- Cons: No online quotes or claims – you must work through an agent; policies are only offered in about half of U.S. states.
Overall, Auto-Owners earns high marks for its coverage and service quality. It even received a 5 out of 5 star rating in NerdWallet’s latest analysis. However, its limited availability and old-school agent-based approach may be drawbacks if you prefer digital convenience.
Coverage and Unique Features
Auto-Owners provides all the standard homeowners insurance coverages (dwelling, personal property, liability, etc.), along with some notable extras. As a mutual insurer operating through independent agents, the company emphasizes a personal touch and offers several unique endorsements:
- Guaranteed replacement cost: Pays to fully rebuild your home even if costs exceed your policy limit (so you’re not left paying out-of-pocket).
- Equipment breakdown coverage: Covers costly appliance or HVAC breakdowns like a home warranty add-on.
- Inland flood coverage: An optional in-house flood coverage for low-to-moderate risk areas, more comprehensive than basic federal flood insurance.
- Identity theft expense coverage: Helps cover up to $15,000 in costs if your identity is stolen.
In addition, Auto-Owners offers many other add-ons such as water backup (for sewer or sump pump backups) and a Homeowners Plus package that even covers food spoilage after a power outage. This flexibility in coverage allows you to customize your policy more than with many insurers. Like most insurers, standard policies won’t cover perils like flooding or earthquakes without separate policies.
Pricing and Discounts
Cost: Auto-Owners’ home insurance rates are around the industry average. One analysis found an average premium of about $2,380 per year (for a $300,000 dwelling) versus a national average of $2,110. Another source calculated roughly $2,124 per year for the same coverage, compared to a $2,466 national average. In other words, you can expect Auto-Owners to cost in the same ballpark as other insurers, depending on your state and profile.
Discounts
Where Auto-Owners shines is the long list of discounts it offers. You can save by bundling home and auto policies, opting for paperless billing, installing security systems, having no recent claims, paying your premium in full, and more. For example, qualifying for multiple discounts (like a multi-policy bundle plus protective device credits) can make an otherwise higher premium much more affordable. Auto-Owners also uniquely offers a life-insurance bundling discount (if you buy a life insurance policy through them), which many competitors don’t.
Do keep in mind that Auto-Owners does not provide online quotes on its website – you’ll need to contact a local independent agent to get a quote or to file a claim. This agent-only model can be a pro or con: you get personalized service and advice, but it’s less convenient if you prefer a fully online experience. The upside is that agents can often help find all the discounts you qualify for and tailor coverage to your needs.
Availability
Auto-Owners home insurance is available in 26 states (primarily in the Midwest and Southeast). If you live in one of those states and value working with a local agent, Auto-Owners’ combination of affordable rates, coverage breadth, and reliable service makes it a strong contender. But if you’re outside its service area, or prefer 24/7 digital policy management, you may need to look at other insurers.
Frequently Asked Questions (FAQs)
Is Auto-Owners a good homeowners insurance company?
Yes. Auto-Owners is considered a very good homeowners insurance provider, especially for those who want an agent’s guidance. It has an excellent reputation for customer satisfaction (with far fewer complaints than expected for its size) and solid financial strength, indicating it reliably pays claims.
Is Auto-Owners home insurance expensive?
No, Auto-Owners is not especially expensive for home insurance. Its rates tend to be around the national average – roughly $2,000 to $2,400 per year for a typical home policy. While some analyses show Auto-Owners a bit higher than average and others a bit lower, the many discounts available can significantly reduce your price.
Can I get an Auto-Owners home insurance quote online?
No. Auto-Owners does not offer online quoting for home insurance. To get a quote or buy a policy, you’ll need to go through one of their independent agents. This means you cannot purchase a policy directly on the Auto-Owners website. However, working with an agent can help ensure you get the right coverage and all eligible discounts.
Is Auto-Owners home insurance available in all states?
No, Auto-Owners home insurance is only available in about 25–26 states, mostly in the Midwest and Southeast. It does not operate nationwide. If you’re in one of the states they serve, you can take advantage of their offerings, but homeowners in other states will have to choose a different insurer.
Does Auto-Owners offer other types of insurance?
Yes. Despite the name, Auto-Owners offers a full range of insurance products beyond home insurance. In addition to auto and homeowners coverage, Auto-Owners provides life insurance, business insurance, condo and renters insurance, and more. This means you can bundle multiple policies (for example, home + auto + life) with Auto-Owners for potential multi-policy discounts.
Conclusion
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Auto-Owners home insurance is an excellent choice if you live in one of the states it serves and prefer a more personal, agent-led insurance experience. It delivers strong coverage options, plenty of discounts, and a track record of satisfied customers. While it may lack online convenience, many homeowners find the tailored service worth it.
If you’re comparing home insurance providers, be sure to get quotes from a few companies to see who offers the best value for your situation. Auto-Owners could very well be the best fit for homeowners seeking local expertise and solid coverage at a fair price. And remember, tools like Kudos can help you easily compare rates and uncover extra perks – so you can get the protection you need and save money doing it.
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